you make the key point there which is we're in the most conservative credit lending environment that this nation has seen in several decades at a time when we need home purchase activity to increase at a far greater rate. those two are clearly juxtaposed in opposition to each other. this qm rule is not bad t.basically boxes in today's credit standards, but it's by no means going to broaden credit access to homeowners across the market and we still really need to resolve, not just this qm rule and see how it gets implemented, but again basl, qrm, repurchase stab guards and gses. for capital to come back, investors need confidence that when they lend, they can do so safely and soundly in a way that doesn't catch them later on. >> right. >> this is step one, and there are many steps to come. >> david, thank you. diana, thank you. we'll keep watching this. appreciate your time tonight and will see you soon. 20 minutes before the closing bell sound. we're at the hues of the day. a gain of 77 points on the industrial average. >> disappointing home sales, canary in the coal mine for how upp